other hand, they transfer the downside -- april 15, we pay for bankers' bonuses in directly. a lot of the problems we have today comes from that structure. the system became very fragile because some people had a vested interest in engaging in risky strategy known they were not going to be penalized by it. we need to modify it. we should have done something to eliminate the free option. in 2010, two years after the crisis, after we bailed them out -- citibank, for example, is almost near receivership. they pay themselves more bonuses than ever in history. we have moved from the capitalistic system of skin in the game, risktaker, you pay for your mistakes.